Skip to main content
Publish date:

As thousands face foreclosure, Minnesotans urged to apply for mortgage relief

Thousands of Minnesotans face foreclosure amid the COVID-19 pandemic. They are encouraged to apply for relief now.

Minnesota homeowners who are having trouble paying their mortgage are being encouraged to apply now for mortgage relief to avoid foreclosure. 

The Minnesota Department of Commerce and Minnesota Housing on Wednesday said the deadline for mortgage relief for certain mortgages has been extended to Feb. 28, 2021, but those who qualify for relief should apply now. 

“Borrowers that are experiencing hardships and can’t make their mortgage loan payments should proactively reach out to their lenders to see what options they have. In many cases, the borrower’s options are better before the loan goes delinquent, or severely delinquent,” Commerce Temporary Commissioner Grace Arnold said in a statement

There are an estimated 120,000 households in Minnesota (about 15% of mortgages in the state) that are backed by the Federal Housing Administration. And about 13,000 households – more than one in 10 – have FHA-backed mortgages that are delinquent. 

That means thousands of Minnesota homeowners are behind on their mortgage payments and could be impacted by the deadline to apply for the mortgage relief. 

The CARES Act Congress passed in the spring included assistance for homeowners impacted by the COVID-19 pandemic, allowing them to delay making mortgage payments without penalty or interest for 6 to 12 months. 

The Minnesota Department of Commerce says those who are unsure if they are eligible for relief should contact their lender or mortgage servicer to discuss their options. Even those who don't have federally backed mortgages may be eligible for assistance. 

Those with questions can contact the Minnesota Homeownership Center at 651-659-9336 to speak to a nonprofit homeownership advisor who can help homeowners navigate their situation for free. 

Next Up

Kirill Kaprizov

Wild win battle of NHL's hottest teams, extend winning streak to six

Kirill Kaprizov delivered a shootout winner to take down the Maple Leafs.

Eric Kendricks

Vikings downgrade Eric Kendricks to out against Lions

The Vikings have also activated Michael Pierce from injured reserve.

u.s. attorney

Minnesotan sentenced after assaulting man with baseball bat

Marshall Wayne Boshey was sentenced to 30 months in prison followed by two years of supervised release.

Target store

Target's gift card discount is back, but for this weekend only

The fine print: for Target Circle members only (but membership is free).

Screen Shot 2020-06-15 at 7.11.05 AM

Minneapolis teen arrested in St. Cloud after fleeing police in stolen vehicle

The vehicle was stolen in a car-jacking in Minneapolis Thursday.

snow, blowing snow

Winter storm warnings issued with heavy snow set to slam MN

Parts of northern Minnesota could see more than a foot of snow, but there won't be much in the Twin Cities.

D'Angelo Russell

With KAT out, Timberwolves can't upset Nets

D'Angelo Russell stepped up but couldn't overcome Brooklyn's firepower.

Everson Griffen Vikings dot com

Everson Griffen confirms he has bipolar disorder

"I’ve been running from it a long time. I’m not ashamed of it anymore.”

Angela Renee Jones, St. Cloud murder suspect

St. Cloud suspect now charged in two local murder cases

Both murders happened within a day of each other in June.


money hundred dollar bills

Charges: Eden Prairie man falsely applied for COVID relief, fled to Colombia

He applied for more than $2 million in COVID relief loans

Rent, mortgage, house, key, door

Minnesotans have till Dec. 7 to apply for housing assistance

Gov. Tim Walz and Lt. Gov. Penny Flanagan issued a press release urging Minnesotans behind on bills to apply

Mall of America

MOA missed mortgage payments as COVID-19 crisis takes toll

The mall sought relief via tax aid from the Minnesota Legislature earlier this month.

I voted sticker

A huge number of Minnesotans have already requested mail-in ballots

Officials have encouraged people to vote by mail due to the pandemic.

One-dollar bill, cash, money

Charges: MN man stuffed bank account, got new pool with COVID relief money

Federal charges say he filed a fake loan application to secure PPP funding, which he used on himself.

school, classroom, students

Enrollment in MN public schools down 2% this year due to COVID

Families chose other schooling options amid the COVID-19 pandemic.


Where does the next federal COVID-19 relief package stand?

Democrats and Republicans have both put out their proposals for a second relief package, but have so far failed to reach an agreement.